How the Santander Zero Credit Card Makes Zero a Great Number


Are you on a hunt for an easy to manage credit card that comes with zero annual fees and advantageous offers? There are so many credit cards to choose from that it can be hard to sort through them to find the right one. However, we can help you. The Santander Zero Credit Card may be able to answer your needs

This card hosts a variety of features that will help you save money. With zero foreign transaction fees on purchases made abroad in the local currency, this is a credit card that is great for travelling abroad. It is also a great card to use at home, with its generous cashback reward offers.

Before you make a decision about whether on or not this card is right now you, keep reading. In this article, we will tell you about the features and benefits of the Santander Zero Credit Card and how you can apply today.

Santander Zero Credit Card

Features of the Santander Zero Credit Card

With the aptly named Santander Zero credit card, zero has never sounded so good! This is what the card is all about.


You get access to the well-credited Santander banking branch network, as well as access to their online and mobile banking offerings that provide text and email alerts to you.

This card comes with the option to include up to 3 additional cardholders on the line of credit, so if you wish to include family, you can.

It only takes about 10 minutes to apply for this card, making the process simple and convenient. Read on to learn about some of the costs of service below.

Rates and Fees

  • 0% on purchases for 12 months from account opening (representative 18.9% APR thereafter)
  • 18.9% variable purchase rate and cash transaction rate
  • 0% on balance transfers for 1 month from account opening (18.9% thereafter)
  • Balance transfer fee (before and after intro period) – 3% (minimum £5)
  • Zero foreign transaction fees on purchases made abroad in the local currency
  • Zero cash withdrawal fees anywhere in the world
  • Zero annual/monthly account fees
  • £12 late payment fee (waived through October 2020 due to COVID-19 circumstances)
  • £12 over limit fee
  • £12 returned payment fee
  • £25 address tracing fee (if you relocate without informing Santander)

Not bad, right? On top of this, you can enjoy up to 15% cashback at a variety of major retailers when you use your credit card in combination with retailer offers, a free service available through Online Banking.

If you sign up for Retailer Offers within 60 days of activating your credit card you’ll also get 5 welcome offers! In addition, you can add up to 3 additional cardholders on the account, making it a good family card.

How to Apply for a Santander Zero Credit Card

Applying for the Santander Zero credit card is straightforward and should only take you 10 minutes to complete the whole process. First, you must be 18 years of age, a UK resident, have an income of £7,500+ per year, and possess a good credit rating.

Do you tick these boxes? Then you can fill out your application online via the Santander website. If successful, the bank will determine your credit limit based on your credit rating and income. The average credit limit is approximately £1,200.

Using the Santander Zero Credit Card

With online and mobile banking capabilities, using and managing the Santander Zero credit card could not be easier. Cardholders can also opt to get text and email alerts about their accounts so that they never miss a thing. In addition, Santander will alert users when they are approaching their credit limit to help them avoid over-limit fees.

To avoid interest charges, cardholders must make the minimum payment on their account each month. After the introductory offers expire, the interest rate will be around 18.9% annually. This estimate will vary with individual circumstances.

Even in places that do not accept credit card payments, the Santander Zero credit card can prove itself useful. With the zero cash withdrawal fees anywhere in the world, you never have to worry about always carrying cash.

The lack of a cash withdrawal fee is very uncommon amongst credit cards, making it a true perk of having this card. However, cardholders should note that the amount taken in cash withdrawals will start earning interest the day they are taken. Because of this, it is best to pay off cash withdrawals immediately.

Bank Contact Info

To contact Santander, you can call 0800 9 123 123 (telephone banking number).

Their address is in London at Registered Office: 2 Triton Square, Regent’s Place, London, NW1 3AN, United Kingdom.


If you are looking for a credit card that is easy to manage and doesn’t cost you anything in unnecessary fees, the Santander Zero Credit Card should be your number one choice. However, if you want more options to choose from, check out Santander’s other credit card offers. 

Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions under key document for more information.